EPLI

Employment Practices Liability Insurance (EPLI) for Small Businesses

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Employment Practices Liability Insurance (EPLI)

What is Employment Practices Liability Insurance (EPLI)?

AmTrust EPLI is designed to protect small- and medium-sized businesses in the event of employment-related claims. Insured events include alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation.

An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers. Enhanced coverage protects the policyholder against both punitive damages and inappropriate third party conduct. While access to EPLI coverage can be easier for larger corporations, AmTrust makes it affordable for small- and medium-sized businesses to enjoy the benefits of having an EPLI policy that's designed specifically for them.

Working with AmTrust agents to design the right EPLI policy for your business can do more than cover you for losses associated with employment-related claims. AmTrust's industry experience, dedicated agents, proven guidance, and convenient online tools and resources help bolster our policyholders' understanding of the best employment practices and procedures. With our support, you can take steps to reduce claims, litigation and losses surrounding poor employment practices in the first place.

Why do I need Employment Practices Liability Insurance (EPLI)?

The threat of being sued is a reality that any business must face. For small- to medium-sized businesses, it can be cost-prohibitive to dedicate an entire department to employment practices, as large corporations do. Any business without a human resource department that is fully equipped to monitor and maintain the complex laws, regulations and rules that apply to employment practices will be at greater risk for errors, claims and litigation surrounding an employment-related claim. An EPLI policy from AmTrust can affordably cover your business from many of the most common – and costly – employment-related issues that you might face.

According to the Equal Employment Opportunity Commission, over 90,000 charges of employment discrimination were made in fiscal year 2016. Small to mid-sized businesses are particularly vulnerable to claims due to their lack of bandwidth to support an effective loss prevention program, inadequate employment law management and easily-targeted unprotected assets.

With just a single disgruntled worker, an entire business can be put at risk, even if the claim is not valid. The costs associated with defending your case can be substantial – more so if you lose the trial. Without EPLI, you will be forced to deal with any losses associated with employment practice litigation out of pocket.

What are the benefits of Employment Practices Liability Insurance (EPLI)?

Due to the laws and regulations surrounding employment practices and how easy it is for employees to make a charge, it is not uncommon for a reputable company to have a claim against it. Having coverage for such an event can protect your business from soaring litigation and/or settlement costs. Due to an increase in employee litigation in recent years, EPLI Coverage has become equally important to small- to medium-sized businesses as general comprehensive liability insurance is.

The advantages of AmTrust EPLI for small- and mid-sized businesses include flexible packages, no minimum premiums and competitive pricing. We have teams of dedicated claims handling professionals who will personally contact you 24-48 hours after a claim is made so you have the support you need as soon as an employee files a charge.

AmTrust can even help coordinate your defense counsel, and insureds see a 35% reduction in costs when they choose AmTrust to handle their defense. In fact, our EPLI coverage includes options for a variety of support tools that can help address standing concerns and prevent many future employment related issues.

Our convenient online portal makes it easy to see the state of your claim and access human resources content to help you manage your workforce and any charges that arise. Enjoy unlimited access to online training to help all your employees understand the strict laws surrounding sexual harassment on both the state and national level. Other important online training includes understanding how you as an employer should approach employee terminations, and how to prevent employee discrimination. Additional information covers wage and hour laws compliance.

AmTrust provides policyholders with customizable human resource procedures and policies in both English and Spanish. These materials include helpful examples, policies and procedure manuals you can use to create compliant forms and information for your business.

How do I get Employment Practices Liability Insurance (EPLI)?

Preferred exposures for AmTrust EPLI policies include doctors' offices, contractors, hotels, restaurants, law offices, manufactures and retail establishments. Ineligible exposures include motion picture production offices, TV and Radio stations, financial services organizations and sales organizations. For eligible classes, EPLI coverage can be easily or even automatically combined with your other AmTrust commercial package policies. Current policyholders should speak with your AmTrust agent about adding EPLI coverage today.

If you are not a current AmTrust policyholder, use our easy online portal to request a quote, learn more or apply for EPLI coverage today. Our agents are always available to provide you with the information you need to protect your business and people.

What is Employment Practices Liability Insurance (EPLI)?

AmTrust EPLI is designed to protect small- and medium-sized businesses in the event of employment-related claims. Insured events include alleged discrimination, wrongful termination or demotion, sexual harassment and retaliation.

An EPLI policy applies to all employees of an insured business, including temporary, part-time, full-time, seasonal, volunteers and independent contract workers. Enhanced coverage protects the policyholder against both punitive damages and inappropriate third party conduct. While access to EPLI coverage can be easier for larger corporations, AmTrust makes it affordable for small- and medium-sized businesses to enjoy the benefits of having an EPLI policy that's designed specifically for them.

Working with AmTrust agents to design the right EPLI policy for your business can do more than cover you for losses associated with employment-related claims. AmTrust's industry experience, dedicated agents, proven guidance, and convenient online tools and resources help bolster our policyholders' understanding of the best employment practices and procedures. With our support, you can take steps to reduce claims, litigation and losses surrounding poor employment practices in the first place.

Why do I need Employment Practices Liability Insurance (EPLI)?

The threat of being sued is a reality that any business must face. For small- to medium-sized businesses, it can be cost-prohibitive to dedicate an entire department to employment practices, as large corporations do. Any business without a human resource department that is fully equipped to monitor and maintain the complex laws, regulations and rules that apply to employment practices will be at greater risk for errors, claims and litigation surrounding an employment-related claim. An EPLI policy from AmTrust can affordably cover your business from many of the most common – and costly – employment-related issues that you might face.

According to the Equal Employment Opportunity Commission, over 90,000 charges of employment discrimination were made in fiscal year 2016. Small to mid-sized businesses are particularly vulnerable to claims due to their lack of bandwidth to support an effective loss prevention program, inadequate employment law management and easily-targeted unprotected assets.

With just a single disgruntled worker, an entire business can be put at risk, even if the claim is not valid. The costs associated with defending your case can be substantial – more so if you lose the trial. Without EPLI, you will be forced to deal with any losses associated with employment practice litigation out of pocket.

What are the benefits of Employment Practices Liability Insurance (EPLI)?

Due to the laws and regulations surrounding employment practices and how easy it is for employees to make a charge, it is not uncommon for a reputable company to have a claim against it. Having coverage for such an event can protect your business from soaring litigation and/or settlement costs. Due to an increase in employee litigation in recent years, EPLI Coverage has become equally important to small- to medium-sized businesses as general comprehensive liability insurance is.

The advantages of AmTrust EPLI for small- and mid-sized businesses include flexible packages, no minimum premiums and competitive pricing. We have teams of dedicated claims handling professionals who will personally contact you 24-48 hours after a claim is made so you have the support you need as soon as an employee files a charge.

AmTrust can even help coordinate your defense counsel, and insureds see a 35% reduction in costs when they choose AmTrust to handle their defense. In fact, our EPLI coverage includes options for a variety of support tools that can help address standing concerns and prevent many future employment related issues.

Our convenient online portal makes it easy to see the state of your claim and access human resources content to help you manage your workforce and any charges that arise. Enjoy unlimited access to online training to help all your employees understand the strict laws surrounding sexual harassment on both the state and national level. Other important online training includes understanding how you as an employer should approach employee terminations, and how to prevent employee discrimination. Additional information covers wage and hour laws compliance.

AmTrust provides policyholders with customizable human resource procedures and policies in both English and Spanish. These materials include helpful examples, policies and procedure manuals you can use to create compliant forms and information for your business.

How do I get Employment Practices Liability Insurance (EPLI)?

Preferred exposures for AmTrust EPLI policies include doctors' offices, contractors, hotels, restaurants, law offices, manufactures and retail establishments. Ineligible exposures include motion picture production offices, TV and Radio stations, financial services organizations and sales organizations. For eligible classes, EPLI coverage can be easily or even automatically combined with your other AmTrust commercial package policies. Current policyholders should speak with your AmTrust agent about adding EPLI coverage today.

If you are not a current AmTrust policyholder, use our easy online portal to request a quote, learn more or apply for EPLI coverage today. Our agents are always available to provide you with the information you need to protect your business and people.

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